The Pacific Northwest knows how to save for a rainy day.
Much like every journey begins with a single step, every savings goal starts with that first account. To help you towards whatever your savings goals may be, we start every member off with at least one savings account.
Get to know our options for saving and spending wisely.
Savings Accounts
Good dividend rates, no monthly fees, and instant access to funds.
Prime Share
All NWCU members start with a regular savings account.
| Min. to Open | Rates | |
|---|---|---|
| $0 | Up to 0.05% APY | View rates |
Subsidiary Share
Open additional savings accounts for different savings goals.
| Min. to Open | Rates | |
|---|---|---|
| $0 | Up to 0.05% APY | View rates |
IRA Savings
Save with the tax benefits* of an IRA.
| Min. to Open | Rates | |
|---|---|---|
| $250 | Up to 0.05% APY | View rates |
*Consult a tax professional about the advantages of an IRA.
Level Up Savings
The more loans you have with NWCU the more you save.
| Min. to Open | Rates | |
|---|---|---|
| $1 | Up to 5.00% APY | View rates |
Checking Accounts & Debit Cards
Easy checking options with no fees or minimum balance requirements.
Basic Checking
Our basic checking account was built on old adage ‘sometimes less is more.’ We know that sometimes all you need is a checking account.
- Free Online and Mobile Banking
- Free Online Bill Pay
- Ready for mobile wallets like Venmo, Apple Pay, Google Pay, and Samsung Pay (requires a compatible device)
- Unlimited check writing
- ADD Fraud Defender Identity theft recovery services for only $2.95/month
Kasasa Cash
Take advantage of a checking account with a 4.07% APY*. A Kasasa Cash checking account can earn you higher dividends – up to $50,000 – and charges less fees, so you can save more money.
| Balance Range | Annual Percentage Yield | |
|---|---|---|
| $0, qualifications met, up to $50,000 | 4.07% | View rates |
| $0, qualifications met, over $50,000 | 0.50% | |
| $0, req. not met | 0.05% |
Other benefits of a Kasasa Cash Checking Account include:
- No direct deposit required
- Up to $20 per month in ATM surcharges refunded
- 1 cent per card transaction is donated by the TwinStar Community Foundation to local charities
- No fees when you sign up for paperless statements
Qualifications
- Use your debit card at least 12 times per month
- Sign up to receive paperless statements
Want to earn even more savings? Link a Kasasa Cash Savings Account to a high-interest Kasasa Saver account. Rewards earned are automatically deposited into the saver account.
*APY = Annual Percentage Yield. APY is variable. Rates, terms, and conditions accurate as of 1/2/2025 and are subject to change. Fees may reduce earnings. The terms applicable to your Deposit Accounts at NWCU are provided in the Membership and Account Agreement. Other savings may not require a minimum balance to earn dividends. An adult 18 or over must accompany a minor as a joint account owner on any minor accounts. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends are compounded monthly and will be credited monthly.
Kasasa Cash: Opening balance of $25 required. APY assuming a maximum $100,000 in 2nd tier. Kasasa Cash will be credited to your Kasasa Saver account on the last day of the monthly statement cycle.
One Kasasa® checking per prime member age 18 and older. Rewards based on qualifications. $25 minimum opening deposit. Qualifications: 1) Conduct 12 debit card transactions that post and settle per qualification cycle. Please note that not all transactions are posted the same day they are conducted. ATM transactions and deposits/credits do not count toward the debit card transaction qualification. 2) Sign up for eStatements (valid e-mail address required) and accept the eStatement Consent to Electronic Delivery disclosure. Upon meeting account reward qualifications, dividends are compounded and credited monthly. Qualifications for rewards are calculated from the last day of the month to the day before the last day of the next month (qualification cycle). Earn 1.00% Cash Back on everyday debit card transactions with a maximum of $5.00 per qualification cycle. Fees may reduce earnings. No ATM surcharge fees when check (debit) card is used at Twinstar/NWCU owned ATMs. ATM fee(s) charged from use of nonproprietary ATMs will be reimbursed up to $20 per account per qualification cycle (applies to debit card ATM fees only. International ATM fees and international transaction fees will not be refunded).
Kasasa Saver: *APY = Annual Percentage Yield. Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $10,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.05% interest rate on the portion of the balance over $10,000, resulting in 1.00% - 0.08% APY depending on the balance. APY Range of 1.00%-0.08% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. Rates accurate as of 3/1/2025. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Fees may reduce earnings.
Mobile and data rates may apply. Check with your provider. For details, please contact Northwest Community Credit Union at (800) 425-9515. Federally insured by NCUA.
Kasasa Cash Back
Earn 1% cashback on debit card purchases without category restrictions. Take advantage of other Kasasa Cash Back benefits such as:
- Earn cash back on debit card purchases (up to $5 per cycle)
- Up to $20 per month in ATM surcharges refunded
- Free online and mobile banking, and bill payer
- Free monthly activity email notices
Qualifications
- Make 12 debit card transactions (that post and clear) per qualification cycle
- Sign up for eStatements (valid e-mail address required)
Want to earn even more savings? Link a Kasasa Cash Back Account to a high-interest Kasasa Saver account. Rewards earned on checking and ATM free refunds are automatically deposited into the saver account.
One Kasasa® checking per prime member age 18 and older. Rewards based on qualifications. $25 minimum opening deposit. Qualifications: 1) Conduct 12 debit card transactions that post and settle per qualification cycle. Please note that not all transactions are posted the same day they are conducted. ATM transactions and deposits/credits do not count toward the debit card transaction qualification. 2) Sign up for eStatements (valid e-mail address required) and accept the eStatement Consent to Electronic Delivery disclosure. Upon meeting account reward qualifications, dividends are compounded and credited monthly. Qualifications for rewards are calculated from the last day of the month to the day before the last day of the next month (qualification cycle). Earn 1.00% Cash Back on everyday debit card transactions with a maximum of $5.00 per qualification cycle. Fees may reduce earnings. No ATM surcharge fees when check (debit) card is used at Twinstar/NWCU owned ATMs. ATM fee(s) charged from use of nonproprietary ATMs will be reimbursed up to $20 per account per qualification cycle (applies to debit card ATM fees only. International ATM fees and international transaction fees will not be refunded).
Kasasa Saver: *APY = Annual Percentage Yield. Kasasa Cash/Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash/Cash Back are met each monthly qualification cycle:(1) balances up to $10,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.05% interest rate on the portion of the balance over $10,000, resulting in 1.00% - 0.08% APY depending on the balance. APY Range of 1.00%-0.08% depends on balance maintained, assuming a maximum $100,000 in 2nd tier. Rates accurate as of 3/1/2025. If qualifications are not met on Kasasa Cash/Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Fees may reduce earnings.
Kasasa Cash Back: Earn 1% cash back on debit card purchases with a maximum of $5 per qualification cycle.
Mobile and data rates may apply. Check with your provider. For details, please contact Northwest Community Credit Union at (800) 425-9515. Federally insured by NCUA.
Executive Checking
Great rates, high limits, free stuff:
- Higher mobile deposit limits
- Free cashier’s checks
- Free checks (and a free leather checkbook cover!)
- 5 free outgoing wire transfers
- Access to an Executive Money Market savings account with higher APY*
There’s also less of stuff you don’t want:
- No overdraft transfer fees
- No out-of-network ATM fees (ATM owner surcharge may still apply)
| Qualifications | Annual Percentage Yield | |
|---|---|---|
| Minimum to open $25 Monthly service charge $20 To waive the monthly service charge, you need either:
| 0.50% APY on all tiers | View rates and tiers |
Outfitter Checking
Members aged 13 to 17 can get free checks, a free debit card, and more with a Financial Outfitters Checking Account.
Certificates of Deposit (CDs)
Since they offer higher dividend rates, you actually earn money while saving with CDs. For short or long term savings goals, it just makes sense.
Certificates of Deposit
From 90 days to 5 years, our traditional CDs offer a lot of choices.
| Term Lengths | Min to Open | Rates | |
|---|---|---|---|
| 3–60 months | $500 | 1.00% to 4.00% APY Range | View rates |
Service Fees and Charges
Money Market Accounts
Higher earnings with instant access to funds and no long-term commitment. Plus, no monthly fees.
Money Market Savings
If you have more than $1,000 in basic savings, money market accounts are a simple and effective way to earn a higher yield while being able to access your money whenever you want.
| Min. to Open | Rates | |
|---|---|---|
| $1,000 | Up to 1.50% APY* | View rates |
Executive Money Market Account
Available only to members with an Executive Checking Account.
| Min. to Open | Rates | |
|---|---|---|
| $1,000 | 0.25% - 1.50% APY* | View rates |
*APY = Annual Percentage Yield
Service Fees and Charges
Save to Win CD
Save your money and be entered in monthly and quarterly prize drawings every time you save $25.
Save to Win CD—Every $25 you save earns you an entry for monthly drawings from $25 and quarterly drawings from $100–$5,000.*
| Term Lengths | Min. to Open | Rate | |
|---|---|---|---|
| 12 months | $25 | 2.40% APY | View rates and Official Rules |
*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member.
How It Works:
- Members must be 18 or older and a resident of Save to Win participating states.
- Minimum opening deposit and minimum balance is $25.
- Every $25 you save will earn you an entry into the monthly and quarterly drawings. Entries are calculated based on a month-over-month balance increase. Please refer to the Official Rules for full details.
- You can deposit as many times as you'd like each month or all at once. However, your entries will be calculated based on a month-over-month balance increase with up to 100 entries per month.
- You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn may affect your entries for the month.
- Any money you win from the prize drawings is yours and will be disbursed into your primary savings account. It may be subject to tax reporting. Fees may reduce earnings on the account.
- Odds of winning depend on number of entries received. Sponsor: Northwest Community Credit Union, a division of TwinStar Credit Union, PO Box 10607, Eugene, OR 97440.
Call (800) 452-9515 or visit a local branch to open a Save to Win account today.
Service Fees and Charges
Individual Retirement Accounts (IRAs)
Individual Retirement Accounts help you build a bigger nest egg with higher interest rates and tax advantages. Start saving now for a sweeter future.
Traditional IRA CD
Traditional IRAs provide great rates and tax-deferred earnings. You can open an IRA account with a minimum of $500. Money held in IRAs cannot be withdrawn before retirement age without an IRS penalty.
| Min to Open | Rate | |
|---|---|---|
| $500 | Up to 2.10% APY* | View rates |
Roth IRA CD
Roth IRAs are less restrictive than traditional IRAs and earnings on your contributions accumulate tax-free. Unlike traditional IRAs, contributions are not deductible for federal income tax purposes, and can be withdrawn at any time, for any reason, tax free.
| Min to Open | Rate | |
|---|---|---|
| $500 | Up to 2.10% APY* | View rates |
Super Investor IRA Money Market
The benefits of liquidity with the added tax advantages of an IRA.*
| Min to Open | Rate | |
|---|---|---|
| $1,000 | 0.15% - 1.50% APY* | View rates |
Executive IRA Money Market
The benefits of liquidity with the added tax advantages of an IRA.*
| Min to Open | Rate | |
|---|---|---|
| $1,000 | 0.25% - 1.50% APY* | View rates |
*APY = Annual Percentage Yield.
Youth Banking
Set up the next generation with youth accounts, including savings and checking.
Dollar Dog Kids Club Savings Account
Kids 12 and younger* can learn the value of saving money, and with a deposit of any amount during any calendar month, be entered into a monthly random drawing for a $50 cash prize! Details and qualifications for participation in this promotion may apply.*
| Min. to Open | Rates | |
|---|---|---|
| $0 | 0.05% APY* | View rates and disclosures |
*APY = Annual Percentage Yield. Kids must join the credit union to become a member of the Dollar Dog Kids Club. All accounts for members under age 18 must have a parent or guardian joint owner. The parent or guardian joint owner must opt in to the monthly drawing program before members under age 18 are eligible for the $50 monthly drawings. Opt into the monthly drawing program by calling us at (800) 452-9515 or visiting a branch! The adult on the account must opt-in and consent, and have the authority to consent, to the disclosure of both their name and the child’s name if requested. Accounts must have a positive balance and all accountholders be in good standing at the closing of each drawing period (month end) and have had at least one deposit during the month. Only activity on the savings account will be looked at – checking accounts and certificates of deposit are not eligible. Prizes: Each month, one (1) winner will be chosen and awarded a cash prize in the amount of $50 USD, which will be deposited to the Youth Share account. All winners will be randomly selected from all participants in the Monthly Drawing. The Monthly Drawing will be conducted within fourteen (14) days of the conclusion of the previous month. Winners will be notified via telephone, email, or standard USPS mail. Prizes are non-transferrable. Odds: Actual odds of winning are based upon the number of eligible entries received. Each eligible entry shall have a chance of winning that is equal to that of all other entries in each Monthly Drawing. Except for making a monthly deposit, no other action or purchasing of any goods or services will increase the odds of winning. Taxes: Winner is solely responsible for all applicable federal, state and local taxes and any expenses associated with the prize, unless otherwise indicated. To request a list of winners, please contact us at P.O. Box 718, Olympia, WA 98507. Insured by NCUA. This contest is restricted to residents of Washington and Oregon states.
Outfitters Savings
If you are 13 or older*, start your financial journey with a free debit card, free checks, 24/7 access to online banking, and more – all with our Outfitters Savings Account. With a deposit of any amount during any calendar month, you’ll be entered into a monthly random drawing for a $50 cash prize. Details and qualifications for participation in this promotion may apply.*
| Min. to Open | Rates | |
|---|---|---|
| $0 | 0.05% APY* | View rates and disclosures |
*APY = Annual Percentage Yield. Teens must join the credit union to become a member of the Dollar Dog Kids Club or Outfitters. All accounts for members under age 18 must have a parent or guardian joint owner. The parent or guardian joint owner must opt in to the monthly drawing program before members under age 18 are eligible for the $50 monthly drawing. Opt into the monthly drawing program by calling us at (800) 452-9515 or visiting a branch! The adult on the account must opt-in and consent, and have the authority to consent, to the disclosure of both their name and the child’s name if requested. Accounts must have a positive balance and all accountholders be in good standing at the closing of each drawing period (month end) and have had at least one deposit during the month. Only activity on the savings account will be looked at – checking accounts and certificates of deposit are not eligible. Prizes: Each month, one (1) winner will be chosen and awarded a cash prize in the amount of $50 USD, which will be deposited to the Youth Share account. All winners will be randomly selected from all participants in the Monthly Drawing. The Monthly Drawing will be conducted within fourteen (14) days of the conclusion of the previous month. Winners will be notified via telephone, email, or standard USPS mail. Prizes are non-transferrable. Odds: Actual odds of winning are based upon the number of eligible entries received. Each eligible entry shall have a chance of winning that is equal to that of all other entries in each Monthly Drawing. Except for making a monthly deposit, no other action or purchasing of any goods or services will increase the odds of winning. Taxes: Winner is solely responsible for all applicable federal, state and local taxes and any expenses associated with the prize, unless otherwise indicated. To request a list of winners, please contact us at P.O. Box 718, Olympia, WA 98507. Northwest Community Credit Union, a division of TwinStar Credit Union is the promotor and sponsor of this promotion. Insured by NCUA. This contest is restricted to residents of Washington and Oregon states.